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Q4 2022 Indiabulls Housing Finance Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Q4 FY '22 Earnings Conference Call of Indiabulls Housing Finance. (Operator Instructions) Please note that this conference is being recorded.
From the management team, we have Mr. Gagan Banga, Vice Chairman, MD and CEO; and Mr. Ashwini Hooda, Deputy Managing Director; Mr. Mukesh Garg, Chief Financial Officer; Mr. Sachin Chaudhary, Chief Operating Officer; Mr. Ashwin Mallick, Head, Treasury; Mr. Ramnath Shenoy, Head, IR and Analytics; Mr. Veekesh Gandhi, Head, Markets; and Mr. Hemal Zaveri, Head, Banking.
I now hand the conference over to Mr. Banga. Thank you, and over to you, sir.
Thank you. A very good day to all of you, and welcome to the quarter 4 and full year fiscal '21/'22 earnings call. I hope all of you and your families are doing well and are safe.
The year fiscal '22 was to serve as a litmus test for Indiabulls Housing's new asset-light business model. And I'm happy to inform you all that we have
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